Fifth Third Bancorp (FITB) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Apr 17, 2026

Before Open (Confirmed)

Period Ending

2026 (Q1)

Consensus EPS Forecast

0.85

Last Year’s EPS

0.71

Same Quarter Last Year

Analyst Consensus

Strong Buy

Based on 14 Analysts Ratings

Earnings Call Summary

Q4 2025

Earnings Call Date:Jan 20, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call highlighted strong underlying operating performance across revenue, NII, efficiency and credit metrics, significant digital and branch expansion momentum, and a clearly outlined merger with Comerica expected to deliver meaningful expense and revenue synergies. Management acknowledged near-term integration costs, some deposit mix and utilization headwinds, and capital/AOCI sensitivity tied to the transaction. Overall, the positives — strong profitability, accelerating payment and wealth businesses, and materially accretive merger economics with early closing and conversion timing benefits — outweigh the identified lowlights and near-term risks.

Company Guidance

Guidance for 2026 assumes the Comerica close on Feb. 1 with systems conversion around end‑Q3 (now targeted for Labor Day), and management expects full‑year net interest income of $8.6–$8.8 billion with NIM ~15 bps higher on close (driven by 4–5 bps accretion on retained securities, 4–5 bps from securities repositioning, 3–4 bps from cash‑flow hedge repositioning and 2–3 bps from funding/mix), full‑year average loans in the mid‑$170 billion range, adjusted noninterest income $4.0–$4.4 billion, and adjusted noninterest expense $7.0–$7.3 billion (ex‑CDI amortization and ~$1.3 billion acquisition charges). They expect to realize 37.5% of the $850 million annualized expense synergies in 2026 (≈$319M), though integration progress could push in‑year saves toward ~$400M with ~$40M of reinvestment; CDI amortization from the deal is roughly $20M/month (stepping down in year two), and guidance assumes forward curve cuts of 25 bps in March and July. Management sees adjusted revenue and PPNR (ex‑CDI) up ~40–45% vs. 2025 with 100–200 bps of positive operating leverage, net charge‑offs of 30–40 bps, pro forma CET1 near a 10.5% target post‑close, and plans to resume regular share repurchases in 2026.

Strong Profitability and Efficiency

Reported EPS of $1.04 ($1.08 excluding certain items); adjusted return on equity 14.5%; adjusted return on assets 1.41%; adjusted efficiency ratio 54.3%; adjusted PPNR over $1 billion (a 6% increase YoY); return on average tangible common equity (ex-AOCI) 16.2%; tangible book value per share grew 21% YoY.

Revenue and Net Interest Income Growth

Adjusted fourth-quarter revenues rose 5% YoY driven by net interest income (NII) growth of 6% YoY; quarterly NII was $1.5 billion and full-year NII was a record $6.0 billion (approximately 2.5% above prior record). Net interest margin expanded 16 basis points YoY to 3.13% in the quarter.

Loan Growth and Consumer Momentum

Average loans increased 5% YoY with consumer loans up 7% and market & business banking C&I loans up 7% YoY. Consumer loans were supported by auto (+11% in 2025) and home equity (+16% in 2025) growth; home equity origination market share rose to #2 in footprint.

Commercial Payments and NewLine Acceleration

Commercial payments fees grew 8% YoY and 6% sequentially. NewLine revenues more than doubled YoY and NewLine-related deposits increased by $1.4 billion; one in three commercial clients added in 2025 were payments-only clients.

Wealth & Asset Management Outperformance

Wealth fees increased 13% YoY; assets under management reached $80 billion for the quarter. Fifth Third Wealth Advisors AUM and fees increased 50% YoY; Fifth Third Securities generated record fees and private bank had second-highest gross AUM flows in company history.

Branch Expansion and De Novo Success

Opened 50 new branches in the Southeast in 2025 (including 27 in Q4), marking the 200th branch in Florida and 100th in the Carolinas. De Novo branches delivered deposit growth 45% higher than peer De Novo branches; net new consumer households grew 2.5% YoY (Southeast +7%, Georgia +10%, Carolinas +9%).

Operational Savings and Digital Recognition

Value-stream savings reached approximately $200 million in annualized run-rate savings; shipped 400+ mobile app updates in 2025 and consumer mobile app ranked top by J.D. Power for regional banks (user satisfaction).

Comerica Transaction and Synergy Outlook

Received required approvals for Comerica merger (Fifth Third votes cast 99.7% in favor; Comerica 97%); expected close Feb 1, 2026. Company expects $850 million in annualized expense synergies (targeting ~37.5% realization in 2026) and $5 billion of revenue synergies over five years. Guidance implies adjusted revenue and adjusted PPNR up 40–45% over 2025; full-year NII guidance $8.6–$8.8 billion and NIM expected to increase ~15 bps upon close.

Improving Credit Metrics

Net charge-off ratio of 40 basis points in the quarter (lowest level in seven quarters; improvement of 6 bps YoY); portfolio NPAs decreased for the third consecutive quarter and are down ~20% since Q1; commercial nonperforming loans down ~30% since early 2025. Allowance for credit losses remained at 1.96% of loans.

Fifth Third Bancorp (FITB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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FITB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Apr 17, 2026	2026 (Q1)	0.85 / -	0.71	―	―	―
Jan 20, 2026	2025 (Q4)	1.00 / 1.04	0.85	22.35% (+0.19)
Oct 17, 2025	2025 (Q3)	0.86 / 0.91	0.78	16.67% (+0.13)
Jul 17, 2025	2025 (Q2)	0.87 / 0.88	0.81	8.64% (+0.07)
Apr 17, 2025	2025 (Q1)	0.70 / 0.71	0.7	1.43% (+0.01)
Jan 21, 2025	2024 (Q4)	0.88 / 0.85	0.72	18.06% (+0.13)
Oct 18, 2024	2024 (Q3)	0.83 / 0.78	0.91	-14.29% (-0.13)
Jul 19, 2024	2024 (Q2)	0.85 / 0.81	0.82	-1.22% (>-0.01)
Apr 19, 2024	2024 (Q1)	0.68 / 0.70	0.78	-10.26% (-0.08)
Jan 19, 2024	2023 (Q4)	0.77 / 0.72	1.01	-28.71% (-0.29)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

FITB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jan 20, 2026	$49.16	$50.12	+1.95%
Oct 17, 2025	$40.36	$40.89	+1.31%
Jul 17, 2025	$42.67	$42.23	-1.02%
Apr 17, 2025	$33.79	$33.55	-0.73%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Fifth Third Bancorp (FITB) report earnings?

Fifth Third Bancorp (FITB) is schdueled to report earning on Apr 17, 2026, Before Open (Confirmed).

What is Fifth Third Bancorp (FITB) earnings time?

Fifth Third Bancorp (FITB) earnings time is at Apr 17, 2026, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

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What companies are reporting earnings today?

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What is FITB EPS forecast?

FITB EPS forecast for the fiscal quarter 2026 (Q1) is 0.85.